Financing Frequently Ask Questions

For the fastest response call (757)-364-0984.

My credit is not good! Can you help?

Little Joe's Autos offers immediate financing for anyone with a job. At Little Joe's Autos it does not matter if you have perfect credit or if you have credit problems. We can help you! Getting your credit approved at Little Joe's Autos is quick and easy, all credit decisions are made while you are at the dealership. It only takes about ten minutes to work out a budget for your auto loan.

Little Joe's is known for our (IN-HOUSE FINANCING) program. Designed to improve your credit. To ensure qualification you must obtain the following.

  1. VA or NC Drivers License
  2. Proof of income (current pay-stub)
  3. Proof of residency (bill or statement within the past 30 days)
  4. Ability to obtain or transfer Auto Insurance

Is there any cost to apply?

No Never!

Are there any other fees?

Not at all. Our website is "Fee-Free"!

What are the interest rates for my car loan?

Your interest rate is influenced by several factors; Many of these factors include the amount of your loan and the term of your loan. Your approval specialist will work to find the right loan at the right interest rate on the vehicle that you want.

How long does the process take?

While the process from start to finish can vary, most customers are able to take delivery of a vehicle the same day. One of our key objectives is to provide a quality experience though what we call "Speed Of Service"! It is best to set an appointment with our Internet Manager in order to save time spent at the dealership.

Who should I contact to get my loan in process?

Feel free to fill out our online credit application. Our Internet Sales manager will contact you directly.

Who do I contact for general information and questions on using your services?

Simply ask our receptionist to speak with our Internet Manager to discuss related questions determining your financing process.

What should I expect after I submit my online application form?

To be immediately contacted and your approval process started! After that you will arrange to select a vehicle and take delivery. You really should be surprised at how simple this process really is.

What is the maximum length of time my loan can be for?

72 Months

Can I change my application after I've submitted it?

Yes! You may change your application at anytime prior to it being submitted for final funding. You may have forgotten to include pertinent information or your credit situation may have changed between the time you were approved and the time you actually took delivery of your vehicle. As a result you may very well be qualified for a better interest rate. Your approval specialist will guide you through this process from start to finish.